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Calculate Your Auto Insurance Rates

Shopping for auto insurance, as little as 10 years ago, used to be quite a fiasco. Finding appropriate coverage at a price you could afford certainly wasn’t as easy as it is today. Not only do we now have access to a seemingly endless library of information on the subject, but there’s also a variety of online tools that make it easy to pinpoint the best deals out there. Car insurance calculators, which take basic information about yourself, your vehicle, and your driving history, and use it to calculate your insurance rates, are one such tool.

What Is A Car Insurance Calculator?

Calculators have long evolved from the days of only being able to solve simple math equations. Nowadays, car insurance calculators can calculate how much the ideal auto insurance policy will cost you.

The best way to explain how these calculators work is to show you firsthand. Right at the top of this page is a tool you can use to calculate your insurance costs and to compare insurance quotes. You can try it out right now if you’d like, and it only takes a few minutes. However, if you aren’t that adventurous, let us explain further how it works before you give it a test run.

Automobile insurance calculators are used to help consumers, like you, determine how much auto coverage you need, and what features and coverage types are most appropriate for your policy. After calculating rates and building the right policy, you’ll be connected with multiple car insurance providers, all offering their most competitive rates for you to choose from.

How Do They Work?

Insurance calculators were designed with simplicity and ease of use in mind so that everyone could use them. Within moments of using the calculator at the top of this page you’ll end up a handful of highly qualified insurance providers to choose from, but first, you need to tell the calculator what to look for.

Calculate Your Car Insurance Online In 3 Easy Steps:

Fill Out Our Short Form – Start out by entering your zip code (five digits in the United States) at the top of this page. You’ll then be asked to provide some very basic details about yourself, such as your name, sex, address, and date of birth. This information will be used to determine your state’s insurance requirements and to match you with all auto insurance companies that offer you coverage (local and national). We will also ask for basic information about the car you wish to insure. This includes make, model, year, and mileage. Different cars demand different rates and coverage options. Knowing about your vehicle helps the calculator find the most appropriate coverage for it. Finally, we will ask a few questions to determine your driving history. Things like accident history and traffic violation history are huge factors when it comes to calculating your insurance premiums.

Compare Quotes – After analyzing the data you entered, our tool searches for auto insurance coverage packages that not only meets the legal requirements in your jurisdiction but also fits your unique style and personal needs. We will then present you with a list of coverage options from the most trustworthy and highly-regarded insurance companies that are licensed to operate in your municipality. Special discounts, special features, and other savings will automatically be figured into the price. By offering policies only from the “best of the best,” we hope to cut back on the stress that comes from choosing an auto insurance provider. After all, you can’t go wrong if every insurance company you are comparing quotes from is both affordable and reputable!

Get Covered – Once you choose a car insurance policy, the final step is to simply sign up with the insurer and get coverage. After submitting your application (along with a payment method), most insurers will give you proof of coverage immediately in the form of an online insurance card. To ensure coverage right away, you can simply print this card out from home and then place it into your vehicle’s glove compartment. Usually, the insurer will also send you a welcome package in the mail a few days later that includes legal paperwork, the details of your policy, and other insurance jargon.

Calculate Your Rates And Start Saving

As you can see, online insurance calculators are much faster than the traditional way of buying auto insurance coverage. Calling multiple insurance companies, just to be put on hold, or visiting many local insurance offices, which could take days, are things of the past. Not only are those methods time consuming, but they are also expensive!

By comparing quotes online, you are all but guaranteed to find the lowest prices on insurance. When car insurance companies compete for your business, they have no choice but to offer you their best rates. By using our car insurance calculator, it isn’t unusual for drivers to save 30% or more on their auto insurance premiums. To see how much you can save, scroll back up to the top of this page and test it out!

Christina@4AutoInsuranceQuote

Hi Tamara, You are so right! It’s extremely common for consumers to do online insurance quotes right from their cell phone. It’s fast and convenient which is what most of us desire. Nowadays many insurance companies even offer an additional discount to consumers that purchase auto insurance online. They do this since it saves the insurance carrier administrative costs. Once a policy is issued, the documents will typically be emailed right to you and it’s recommended that you keep an electronic copy of your insurance ID card on your phone for quick access. There are definitely many advantages to buying auto insurance via the internet! Thanks for your comment.

Leslie Gabriella

For a 10 year old Corolla on liability only you might pay monthly betw $50 and $100.
For a brand new 911 4 Carrera Cabriolet on a fully Comp you might have to pay perhaps 30 grand a year, maybe a bit less, maybe more, who knows.

Christina@4AutoInsuranceQuote

Hi Leslie, Thanks for your comment. You are right that the cost for auto insurance varies from the lowest amounts (typically for liability only) to the highest amounts (usually for full coverage). However, there are so many different factors that contribute to the final premium amount. Factors like the vehicle’s value, the driver’s record, the driver’s age, the zip code, and the county are among the considerations for auto insurance pricing. A little known fact for most consumers is that each person has an “insurance score”. This is usually a combination of your credit history and your past insurance experience. Insurance companies look to see if you had past claims, if you had gaps without insurance, which insurance companies covered you (top rated carriers are better for your score), etc. These are influences on your insurance premiums and should be kept in mind when shopping for auto insurance. Take care!

Christina@4AutoInsuranceQuote

Hi Fox Car Rental, You are correct. There are various influences on a driver’s auto insurance costs. I detailed several in the above thread. On the other hand, insurance companies also offer consumer discounts that can actually lower the insurance premium. Many insurance carriers provide common discounts such as multi-policy discount, multi-car discount, pay in full discount, car safety feature discount, good driver discount, defensive driver discount, good student discount, low-mileage discount, occupational discount, professional organization & alumni association discount, and renewal discount. Be sure to ask your insurance agent to review the applied discounts every term so that you are getting the most for your money. In some cases, you may need to provide documentation (i.e. a recent report card for the good student discount) to be sure the reduction remains on your policy. Thanks for your comment!

Baron Matthews

Will low cost insurance which is provided by the government suffice our needs or do I have to opt for the high cost insurance instead. I want to make sure before I make any decisions. It’s better to be safe than sorry.

Christina@4AutoInsuranceQuote

Hi Baron, Were you able to obtain auto insurance that met your needs? If you are ever shopping for auto insurance, please stop by our site (www.4autoinsurancequote.com) to run some quotes with top-rated carriers. To be honest, I’m not sure what you are referring to when you mention low cost government insurance. What type of insurance are you referencing? Can you please provide more details? Perhaps you are thinking of SR-22 insurance? “SR-22 insurance” is usually a low cost policy that will satisfy your state’s minimum requirements. It is normally court-ordered coverage so once a new auto policy is established the insurance company will report to state officials that you have an SR-22 policy in place. This type of auto insurance is not offered by all insurance carriers because it is considered non-standard (or high risk) coverage. It’s best to pick the policy that offers the most coverage at the best price. You may want to work directly with an independent insurance agent in your area to determine what will work for you and your family. The insurance agent will be able to offer a few different choices and answer all your questions. Take care!